Public liability, tools and professional indemnity cover options for licensed electricians across Australia. Talk to a specialist trade broker.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Electrical work carries real consequences when something goes wrong: fire, faulty installations, or damage to a client’s property or equipment. Whether you’re a sole trader doing residential switchboards or running a team on commercial fit-outs, Sol Insurance Brokers can help you explore cover options that reflect the risk you actually carry.
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Is designed to help protect you against claims for third-party injury or property damage arising from your work, including damage caused by faulty electrical installation or work that creates a fire or other hazard, subject to policy terms.
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Relevant where you provide electrical design, specifications, consultancy, certification or advisory services, particularly where an error could result in financial loss.
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Cover for test equipment, specialised tools, ladders, equipment and other business assets against risks such as theft, loss or accidental damage, subject to policy terms.
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Cover for utes, vans and service vehicles, including trade fit-outs and permanently attached equipment where applicable.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Personal Accident & Illness, Workers Compensation, Cyber Insurance and Management Liability, where relevant and subject to policy terms, conditions and exclusions.
Property damage and fire risks arising from electrical installation and maintenance work
Injury risks associated with electrical work, worksites and interaction with other contractors
Subcontracting arrangements and insurance requirements imposed by builders, principal contractors and site operators
Theft or accidental damage to tools and test equipment, particularly while travelling between worksites
Damage to customer property while carrying out installation, repair or maintenance work
Supply and installation of electrical components or equipment, creating additional contractual and liability considerations
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Professional indemnity may be relevant if you’re signing off on compliance, certification or advisory work, since it responds to a different kind of claim — one based on advice or certification rather than physical damage. We can talk through whether it makes sense for your work mix.
Tools, equipment and plant cover can include theft and accidental damage, often including tools kept in a locked vehicle. Conditions such as security requirements may apply, so we’ll confirm the exact terms for how you store and transport your gear, subject to policy terms.
Subcontracted work can generally be considered when structuring your cover. Let us know the head contractor’s or site operator’s insurance requirements and we’ll help you arrange appropriate documentation where your policy responds.
Public and products liability can respond to claims for property damage arising from your work, including damage caused by faulty electrical installation or work that creates a fire or other hazard, subject to policy terms, conditions and exclusions.
It can. Supplying and installing electrical components or equipment creates additional contractual and liability considerations, including products liability exposure. Tell us what you supply and we’ll make sure it’s considered in your cover.
It may be relevant where you’re responsible for installations in progress. Contract works can protect eligible electrical installations against insured events such as theft, fire, storm and accidental damage, subject to policy terms.
Tell us a bit about your business and one of our brokers will be in touch.
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